Asked house insurence company if I could reload-they said no.

Colin said:
Insurance companies will screw you if given the chance. My wife worked as a lawyer for them.
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Interesting comment.
Is it the Insurance Company who is trying to "screw" you or is it the lawyer who advises the Insurance Company that they can decline the claim doing the screwing. ;) The lawyer is in a win-win situation, if she says "decline", she gets paid. If she says "pay", she gets paid. If she says "decline" and the Insurance Company still has to pay, she still gets paid.
Just so you know, I'm in the Insurance Industry and regularly hire lawyers for advice.
 
Grizzlypeg said:
Ask your wife to explain the difference between a material and immaterial breach of the policy. I'd like to hear an opinion on this, in regards to the insurance company refusing payment because of the reloading supplies being present, yet not contributing to the loss.
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And you Sir, have just asked the Million Dollar question. :D
Materiality and non-disclosure might be the deciding factor.
 
3macs1 said:
Interesting how every area is different. I just had their full 3 hour inspection in October and the fuse panel was just fine as long as it had been upgraded to 100 or 200 amp from the original 60amp which it had.
Lots of talk about my guns just because I insure them seperately and all of my loading gear was out in full view but he never had an issue with it. Asked where the powder was and all I did was point. Rest was just the usual age of oil tank and furnace, age of roofing etc
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...and when was the last time we have heard of someones home blowing up or burning down because of loading and components stored? Not even an issue IMO.
 
Tachead said:
Why tell them you are reloading? It is none of thier business what you do in your own house. Just keep it to yourself and you wont have a problem. Unless you burn your house down while reloading and the fire marshal can prove it that is. Just my opinion but, never heard of anyone having a problem.
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It is not wise to take such a simplistic line with insurance. Naturally you don't want to tell them things you think are none of their business, but take care that you don't fail to tell them things they think are their business. If they don't want to cover risks of reloading and you keep it from them that you are reloading, you are not living up to your part of the the contract - full disclosure. Suppose your house is burgled and the police report they see mentions the theft of reloading equipment and supplies. The insurer then discovers your application for a policy wasn't honest. The reloading had no effect on the risk of a burglary, but your failure to disclose could become an excuse for them to deny your claim for all loss in the burglary.

Invest some effort in finding out what they think and what they want, to make sure you are holding up your end of the bargain so you can enforce theirs on them.
 
There's a good chance you could lose sleep over the terms of your CMHC insured mortgage if you have reloading supplies on the premises. There's all sorts of clauses prohibiting hazourdous, toxic and flammable substances on the premises.
 
Iron Glove said:
Interesting comment.
Is it the Insurance Company who is trying to "screw" you or is it the lawyer who advises the Insurance Company that they can decline the claim doing the screwing. ;) The lawyer is in a win-win situation, if she says "decline", she gets paid. If she says "pay", she gets paid. If she says "decline" and the Insurance Company still has to pay, she still gets paid.
Just so you know, I'm in the Insurance Industry and regularly hire lawyers for advice.
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OK, you're the perfect person here to ask.
Every insurance policy I see has a page(s) of what is not allowed, or what they will not insure. Included will be such things as any illegal activity, a business, unless decalred, etc, etc.
if something like, "reloading of ammunition as a hobby," is not in this list, then are you not automaticaly covered for reloading?
 
H4831 said:
OK, you're the perfect person here to ask.
Every insurance policy I see has a page(s) of what is not allowed, or what they will not insure. Included will be such things as any illegal activity, a business, unless decalred, etc, etc.
if something like, "reloading of ammunition as a hobby," is not in this list, then are you not automaticaly covered for reloading?
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My wife is an underwriter, and she says unless it's an exclusion, it is covered. That's why policy's have those ridiculous lists of things not covered, pet rodents, mould, radioactive fallout, etc. All exclusions that have to be specifically listed.
 
H4831 said:
OK, you're the perfect person here to ask.
Every insurance policy I see has a page(s) of what is not allowed, or what they will not insure. Included will be such things as any illegal activity, a business, unless decalred, etc, etc.
if something like, "reloading of ammunition as a hobby," is not in this list, then are you not automaticaly covered for reloading?
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No, the perfect person to ask is the Judge as he or she will tell you exactly what is covered or not, regardless of what your policy says. :(
In general, your are correct however you have the duty to advise the Insurer of any known risks that the Insurer would not know of that might influence their acceptance of the risk. That's in the application stage, not in the policy itself. The problem arises in what the Insurer deems to be material to their acceptance of the risk. An application simply can't ask everything and the Insurer relies on you to act in "Utmost Good Faith" in the arranging of the policy. An example might be where you phone an Insurer and say "I'd like to take out fire insurance on my house effective immediately" but fail to disclose that a forest fire is just across the street. The application doesn't ask that and your policy doesn't exclude fires but the non disclosure would likely be considered material.
Personally I don't think that reloading could be used to decline a claim ( particularly if the reloading was not causative ) if it wasn't specifically asked about in the application but could be a grounds for declining or cancelling the insurance ( not the claim ) once the Insurer found out if reloading didn't fit into their comfort level.
That's just my humble opinion, as stated, the Courts might well disagree.
 
There is no exclusion for reloading and yes, worked for Wawanesa as an adjuster years ago. If commercial reloading or storing powder in excess of regs, that could be construed as increased risk. Iron Glove obviously has some legal or insurance knowlwedge.

PD
 
Iron Glove said:
Personally I don't think that reloading could be used to decline a claim ( particularly if the reloading was not causative ) if it wasn't specifically asked about in the application but could be grounds for declining or cancelling the insurance ( not the claim ) once the Insurer found out if reloading didn't fit into their comfort level.

That's just my humble opinion, as stated, the Courts might well disagree.
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I like your train of thought. I just finished reading through my policy (now there is some fun) and I could find nothing at all that would make reloading an exclusion. But I'm sure if I called up my Insurer and started asking all kinds of questions.....:rolleyes:

With that said, taken for what it is - an opinion on the internet.
 
What's interesting is that:
1) I phoned to get my insurance, and answered the questions over the phone
2) I live near Owen Sound and the Insurance Co is in Kitchener
3) I answered all the questions truthfully - how many sqft? Brick exterior, primary heat source, how many bathrooms, etc
4) They have never sent me any application, or any other form other than the annual policy and invoice
5) They have never ever inspected the house/property. Ever. or have they ever asked to have it inspected.
 
Try a company called Red River Insurance....
I was listening to CBC Radio the other day and they where talking to a guy about how Co-operators doubled his rate .
The Co-operators claimed he was a bad risk because of an alleged low credit score.
Funny thing is, he never gave consent for them to check his credit score nor is it legal for them to do such a check without his consent.
So maybe Red River will be just what you are looking for.
Good Luck.
Rob



safety first said:
Does anyone in Winnipeg know of a company offering home insurance for reloaders with fuse panel wiring? Or is there another way to go about this such as a rider?


I have asked them if it was OK and they said it's not.

I bet there's alot of people out there thinking it's fine , but don't really know what is stipulated in their overly complicated contract.
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